Understanding the Date of Loss in Roof Insurance Claims

When it comes to filing a roof insurance claim, one term you’re going to hear often is the “date of loss.” But what does that actually mean, and how does it affect your ability to get a new roof?

At Roof Smith, we recently replaced a roof where the storm damage had occurred two years prior—back in 2023. Despite the delay, the homeowner was still able to file a successful insurance claim and get their full roof replaced. That’s because insurance companies determine eligibility based on the date of loss, not when the claim is filed.

What Is the Date of Loss?

The date of loss refers to the day a storm—like a hailstorm—hits and causes damage to your roof. Even if you don’t notice or act on the damage right away, that specific storm date is what matters when you file an insurance claim.

For example, if a hailstorm hit on April 22, 2023, and you didn’t file a claim until mid-2025, your insurance adjuster will still consider April 22, 2023 as the date of loss. As long as you’re within the timeframe allowed by your policy (often up to two years), you still have a valid claim.

Don’t Wait Too Long

While it’s reassuring that claims can sometimes be made long after the storm, waiting does come with risks. Over time, damage can worsen or be harder to trace back to a specific event, potentially complicating the claim process. That’s why it’s smart to have a professional inspection done as soon as possible after a major storm.

RoofSmith Pro Tip:

📞 Not sure if your roof qualifies for a claim? Give us a call. (806) 622-9501

We’ll assess the damage, review your timeline, and help you understand your next best step—without any pressure.

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